The only difference UY makes is if you have to cancel after your banking deadline. If you need to cancel a June reservation in April, it would be nice to know you are still within the banking window to bank those points. That being said, we have been members for nearly 9 years, have had 20+ trips, and have NEVER had to cancel late. I have changed reservations around, and needed to bank or borrow points in the process, but it's never been an issue. In reality, our UY is probably not the best, since it is March, and we usually travel in December/January. We would have to cancel before December 31 to be able to bank our points, and then we could only bank up to 25% of them. Ideally, if you are prone to canceling reservations, you might want a UY just AFTER your usual travel dates rather than before.